Check out the most recent Ascentra Credit Union bonuses, promotions, and offers here.
Update 8/20/25: There’s currently a $200 checking bonus (up to $375 offer) valid through 9/30/25.
Ascentra Credit Union Bonuses Review
| Eligibility: Membership in Ascentra Credit Union is open to those who live or work in Cedar, Clinton, Delaware, Des Moines, Dubuque, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Scott, and Washington Counties in Iowa or in Carroll, Henry, Jo Daviess, Knox, Mercer, Peoria, Rock Island, and Whiteside Counties in Illinois. See current membership details |
I’ll go over the Ascentra Credit Union offers below.
Ascentra Credit Union $200 Checking Bonus
- What you’ll get: $200 Bonus
- Eligible account: Checking Account
- Where it’s available: IA (Bank Locator)
- Credit inquiry: Unknown, let us know
- Direct Deposit Required: Yes
- Monthly fee: Varies, see below
- How to earn it:
- Earn up to $375 bonus. Start by opening a savings and checking account with the potential to earn even more
- $25 Credit Report Review: Become a member and complete a credit report review at savings account opening.
- $50 Direct Deposit: Make 5 direct deposits of at least $250 each within 180 days of account opening.
- $75 Debit Card: Complete at least 10 transactions per month within 180 days of account opening.
- $50 Digital Banking/Mobile App & eStatements: Enroll within 30 days of account opening.
- $25 Ascentra Visa Credit Card: Apply and accept a personal Visa Credit card at account opening.
- $50 Ascentra Visa Credit Card Balance Transfer: Transfer balances totaling $2,500 or more within 60 days of credit card account opening.
- $100 Auto Loan: Apply and accept an auto loan with a minimum loan amount of $5,000 within 180 days of account opening. Refinance from another lender or get a new or used auto loan with Ascentra.
(Expires 09/30/2025)
| Chase Total Checking ($300 Bonus) | KeyBank Checking ($300 bonus) |
| Bank of America Checking ($500 Bonus Offer) | SoFi Checking & Savings Account ($325 bonus) |
Fine Print
- Valid for personal accounts only.
- Offer is exclusive to new members only.
- The primary account holder must be 18 years of age or older, must be a new member to Ascentra and open a membership savings and checking account to qualify.
- Incentive payout will be one total amount paid 180 days after account opening based on all qualified incentives met. Offer qualification time runs from 6/1/25 – 9/30/25.
- Offer limited to one account per new member.
- Personal savings and checking accounts have an annual percentage yield (APY) of 0.05%. APY is accurate as of the last dividend declaration date.
- Fees may reduce earnings on the account.
- 2Field of membership includes the Iowa counties of Cedar, Clinton, Delaware, Des Moines, Dubuque, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Scott and Washington and the Illinois counties of Carroll, Henry, Jo Daviess, Knox, Mercer, Peoria, Rock Island and Whiteside.
- 3Approval is based on credit worthiness and offer applies on acceptance of credit card at account opening.
- 4Approval is based on credit worthiness and offer applies on acceptance of balance transfer totaling at least $2,500 within 60 days of credit card opening.
- 5Approval is based on credit worthiness and offer applies on acceptance of auto loan with a minimum loan amount of $5,000 within 180 days of account opening.
- Must be a refinance from another lender or a new or used auto loan with Ascentra.
- Federally insured by the NCUA.
Ascentra Credit Union $50 Referral Bonus (Expired)
If you refer someone to open a checking account and savings account, you will receive a $50 bonus.
- What you’ll get: $50 Bonus
- Eligible account: Checking Account and Savings Account
- Where it’s available: IA (Bank Locator)
- Credit inquiry: Unknown, let us know
- Direct Deposit Required: No
- Monthly fee: Varies, see below
- How to earn it:
- Refer friends to Ascentra Credit Union
- The referral must open a savings account + checking account w/ direct deposit
- Minimum to open a checking account is $25
(Limited time offer)
| Chase Private Client ($3,000 Bonus) | Fifth Third Preferred Checking ($300 Bonus) |
| KeyBank Checking ($300 bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
Fine Print
- Have your friend apply in-branch or online, and make sure to use code MEMREF when applying
- $50 for every qualifying member referral
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Conclusion
If you are interested in this credit union, you can make the switch to get the $100 bonus. After you become a member, you can also start referring your friends. However, if you are just looking for a nice sign up bonus, there are better offers out there.
I would check out a list of our Savings, Money Market, and CD Rates to find other generous promotions you can utilize.
If you are not eligible for these promotions, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.
Feel free to comment on this post with any questions you may have about Ascentra Credit Union, their accounts they offer, or coupon codes.
Check back often for more Ascentra Credit Union Bonuses, Promotions, or Offers!
